Ben Bhangu

The Home Loan Guru!

NMLS: 746773

Ben@AnswerHomeLending.com

SPRING IS HERE - AND SO IS YOUR OPPORTUNITY TO OPEN THE DOOR TO A NEW HOME!

In 2026 stop renting and be in YOUR Dream Home! No payment till July 2026! Ask me how!

Get a head start in today's market by securing your pre-approval and knowing exactly what you can afford. With the right strategy and guidance, you can shop with confidence, move quickly on the right home, and stand out to sellers. Let's turn this season of grown into the moment you make your move.

Hablo Espanol, Punjabi, Hindi, and English!

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happy couple in front of home

About Us

We are committed to quality customer service - putting the people we serve first. Take advantage of our expertise in the residential lending industry by applying online today.

About Us

We are committed to quality customer service - putting the people we serve first. Take advantage of our expertise in the residential lending industry by applying online today.

Loan Programs

Here at Answer Home Lending, we have the right loan program for you. Whether you are looking for Purchase, Refinance, or Specialized Loans, we can do it!

Loan Programs

Here at Answer Home Lending, we have the right loan program for you. Whether you are looking for Purchase, Refinance, or Specialized Loans, we can do it!

Mortgage application form with an accompanying calculator

Mortgage Calculators

Browse our selection of calculators and tools. You will find what you need to get started, and then contact us today for a free, personalized consultation.

Mortgage application form with an accompanying calculator

Mortgage Calculators

Browse our selection of calculators and tools. You will find what you need to get started, and then contact us today for a free, personalized consultation.

Unlock the key to your new home with Answer Home Lending

years of experience

WHO WE ARE

Your Home, Our Expertise: Your Perfect Mortgage Partner

Our Vision Our Mission

Fast Approval: Streamlined application and approval process to get you into your new home sooner.

To provide exceptional service to clients by offering a wide range of mortgage products and services, while maintaining the highest level of integrity and professionalism.

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Call Any Time 530-415-3004

What Our Customers Say About Us

We care what our customers think of us and so should you. We are partners in your business and your success is ours.

Rating

5.0

142 reviews

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I’m not at all the ideal customer because of my self employed status/ Ben had to work really hard and was able to get me what I wanted/ Super Professi ...

I’m not at all the ideal customer because of my self employed status/ Ben had to work really hard and was able to get me what I wanted/ Super Professional and great to work with/Thanks again Ben

1 week ago

Posted on Google

Ben and Luz were absolutely amazing making this transaction happen!! Thank you so much for your incredible effort on this transaction. Your persistenc ...

Ben and Luz were absolutely amazing making this transaction happen!! Thank you so much for your incredible effort on this transaction. Your persistence, communication, and ability to navigate the challenges—especially with an out-of-country buyer. You truly went above and beyond to get this loan across the finish line, and I sincerely appreciate you!! I am looking forward to work with you again **********

Susie Toche-yartz

4 weeks ago

Posted on Google

Ben was great, helped us navigate the loan process with ease. Excellent communication, very informative and responsive.

Ben was great, helped us navigate the loan process with ease. Excellent communication, very informative and responsive.

1 month ago

Posted on Google

Thank you to Ben and luz for being the best part of buying our forever home the process was easy fast and amazing Jose and I have been so lucky and bl ...

Thank you to Ben and luz for being the best part of buying our forever home the process was easy fast and amazing Jose and I have been so lucky and blessed to have met you Thank you

1 month ago

Posted on Google

Review: The entire transaction was very efficient and smooth from start to finish. The process was fast, transparent, and reliable. Communication was ...

Review: The entire transaction was very efficient and smooth from start to finish. The process was fast, transparent, and reliable. Communication was always open, and we felt respected and supported throughout the experience. They were always willing to help and answer our questions as we worked toward securing our second home. We truly appreciate the professionalism and assistance provided along the way. Thank you,

1 month ago

Posted on Google

Ben and Luz made the process of buying our first home so easy. Every time we looked at a house a needed a mortgage estimate, Ben sent it within an hou ...

Ben and Luz made the process of buying our first home so easy. Every time we looked at a house a needed a mortgage estimate, Ben sent it within an hour. They answered all of our questions with very thorough explanations and made sure we understood everything. When we finally had someone accept our offer, they locked us into an incredible interest rate and we were able to close on our home in only 1 month. My husband and I couldn’t recommend Ben and Luz enough. We are grateful to have had such a smooth and easy experience buying a home for our first time.

3 months ago

Posted on Google

I had the pleasure of working with Ben Bhangu (The Home Loan Guru) on a transaction with my first time home buyer clients, and Ben was fantastic, he d ...

I had the pleasure of working with Ben Bhangu (The Home Loan Guru) on a transaction with my first time home buyer clients, and Ben was fantastic, he did an absolutely outstanding job, from start to finish. Ben is very professional, knowledgeable and experienced. Most importantly, my clients were very happy with their experience and felt well taken care of and Ben delivered exactly that. I highly recommennd Ben Bhangu to anyone looking for a knowledgeable, reliable, and client-focused loan officer. especially first-time homebuyers. Don Caudill DRE# 01372281/ Real Estate Broker, Keller Williams Realy- Yuba Sutter.

4 months ago

Posted on Google

I can't thank Ben & Luz enough for their professionalism and attention to detail with the process. Ben & Luz go out of their way to educate the buyer. ...

I can't thank Ben & Luz enough for their professionalism and attention to detail with the process. Ben & Luz go out of their way to educate the buyer. They made me feel special and we had fun too! I would highly recommend the Home Loan Guru! He truly earns his title!

4 months ago

Posted on Google

Ben and Luz were amazing! They made the process so easy to buy a home and found the best rates for me as quickly as possible. I felt like part of thei ...

Ben and Luz were amazing! They made the process so easy to buy a home and found the best rates for me as quickly as possible. I felt like part of their family during the process but even after I know I can still go to them if any questions arise and they’ll be there. Thank you guys so much for making that difficult time as easy as you did. I love my new home!

4 months ago

Posted on Google

As a first-time homebuyer, I was nervous about the entire process, but Ben Bhangu made everything so simple and stress-free. He took the time to expla ...

As a first-time homebuyer, I was nervous about the entire process, but Ben Bhangu made everything so simple and stress-free. He took the time to explain every step in detail, answered all my questions, and never made me feel rushed or overwhelmed. Ben’s communication was outstanding! Seriously! I always knew what was happening and what to expect next. If you’re buying your first home and want a lender who is patient, knowledgeable, and genuinely caring, Ben is the perfect choice!

4 months ago

Posted on Google

Thanks to Ben Bhangu and his staff at Answer Home Lending, we were able to get our home loan approved super fast and hassle-free. Thank you so much fo ...

Thanks to Ben Bhangu and his staff at Answer Home Lending, we were able to get our home loan approved super fast and hassle-free. Thank you so much for the great service we received. I hope other potential home buyers consider using their services. Thanks again. I give you guys a five star rating!!

5 months ago

Posted on Google

Ben and his team were a pleasure to work with. He takes the time to walk through all the documents to ensure each party fully understands them. His si ...

Ben and his team were a pleasure to work with. He takes the time to walk through all the documents to ensure each party fully understands them. His sincerity and dedication are evident, as he’s always willing to assist with understanding paperwork even after the loan process is complete. I would definitely work with Ben in the future for all my home loan needs.

5 months ago

Posted on Google

Purchasing a home can be a difficult, scarry, yet rewarding experience. It all comes together easy when you have the right team behind you helping eve ...

Purchasing a home can be a difficult, scarry, yet rewarding experience. It all comes together easy when you have the right team behind you helping every step of the way. My wife and I are so glad that that team was Ben and Luz. They made the lending process easy and pain free. Thanks again!

5 months ago

Posted on Google

It was a pleasure working with Ben Bhangu. I would recommend him to anyone looking to purchase a home. His team is great and efficient!!

It was a pleasure working with Ben Bhangu. I would recommend him to anyone looking to purchase a home. His team is great and efficient!!

Michelle Franzen

6 months ago

Posted on Google

Above and beyond - you don't come across many Lenders like this anymore! Thorough, attentive, detailed and always looking after their clients best int ...

Above and beyond - you don't come across many Lenders like this anymore! Thorough, attentive, detailed and always looking after their clients best interest. Zero sales tactics, zero gimics, just honest, solid work with Ben and Luz. Thank you both, we look forward to working with you soon!

6 months ago

Posted on Google

It was a pleasure working with Ben and would highly recommend him to any one looking to purchase or refinance property. Ben is very knowledgeable and ...

It was a pleasure working with Ben and would highly recommend him to any one looking to purchase or refinance property. Ben is very knowledgeable and responds quickly to any questions that may come up. He made this transaction go very smoothly.

6 months ago

Posted on Google

Took care of everything for us very fast and very professional. He will walk you through the whole process to make sure you understand. He’s very know ...

Took care of everything for us very fast and very professional. He will walk you through the whole process to make sure you understand. He’s very knowledgeable and will go out of his way to get you the best deal !!!

6 months ago

Posted on Google

Ben and Luz were a team made in heaven to work with!! They quickly closed on their timelines and did a phenomenal job at closing faster than original ...

Ben and Luz were a team made in heaven to work with!! They quickly closed on their timelines and did a phenomenal job at closing faster than original dates. I appreciate the hard work!! Highly recommend Ben and his team!

6 months ago

Posted on Google

I had a wonderful and smooth process getting my home loan from Ben Bhangu. He was quick with all of my needs and questions. He gave me a competitive r ...

I had a wonderful and smooth process getting my home loan from Ben Bhangu. He was quick with all of my needs and questions. He gave me a competitive rate. Ben made this a smooth journey. I would definitely recommend Ben to anyone in the market

6 months ago

Posted on Google

I worked with Ben and his team over the course of almost a year while looking for the perfect home. I was in contract three times, each time drawing o ...

I worked with Ben and his team over the course of almost a year while looking for the perfect home. I was in contract three times, each time drawing on Ben's expertise and encouragement. Mortgage brokers get paid when a deal closes and two of my deals did not go through. Even through my first efforts were frustrating Ben was patient and stuck with me with each complication. My situation was not "cookie cutter" including a pending divorce and a contingency contract. Ben stuck with me while I successfully found the perfect place. Thanks Ben. I highly recommend Ben and his team.

cap'n bob Kirchner

7 months ago

Posted on Google

Working with Ben Bhangu (The Home Loan Guru) and his wonderful assistant Luz Gonzalez at Answer Home Lending was truly an exceptional experience! 🙌 Th ...

Working with Ben Bhangu (The Home Loan Guru) and his wonderful assistant Luz Gonzalez at Answer Home Lending was truly an exceptional experience! 🙌 They assisted my buyer clients in securing their home purchase with zero money out of pocket – an incredible win that completely exceeded expectations. My clients had originally been preapproved with another lender, but Ben came through with an even better loan option that not only saved them money but also helped us close quickly and smoothly. From start to finish, Ben explained every step of the process with patience and clarity, making sure everyone felt informed and confident along the way. Luz was equally amazing in providing seamless support and communication throughout the transaction. I am beyond impressed with their dedication, professionalism, and willingness to go above and beyond for clients. I would 100% recommend Ben and his team and absolutely look forward to working with them again in the future! — Bianca Soto, Realtor

7 months ago

Posted on Google

Ben y Luz estoy muy agredecida por todo su ayuda que nos dieron a mí y mi familia en comprar nuestra casa. Si alguien está buscando a un prestamista p ...

Ben y Luz estoy muy agredecida por todo su ayuda que nos dieron a mí y mi familia en comprar nuestra casa. Si alguien está buscando a un prestamista para comprar su casa se los recomiendo al 100 porciento. Muchas gracias de nuevo!

Guadalupe Gutierrez

7 months ago

Posted on Google

Ben and Luz were extremely knowledgeable and helpful in my first time home buyer process! Highly recommend coming with them. They kept me up to date w ...

Ben and Luz were extremely knowledgeable and helpful in my first time home buyer process! Highly recommend coming with them. They kept me up to date with any progress, and questions I had, and even went above and beyond to go in person to complete my process to ensure that I had my home before my birthday! Luz también habla Español y puede ayudar con cualquier pregunta o duda!

7 months ago

Posted on Google

5 Stars – Incredible Support from Ben for a First-Time Homebuyer! Working with Ben was an absolute game-changer for my husband and I journey to buyin ...

5 Stars – Incredible Support from Ben for a First-Time Homebuyer! Working with Ben was an absolute game-changer for my husband and I journey to buying our first home. As a first-time homebuyer, we had so many questions and uncertainties, but Ben was there every step of the way with clear explanations, expert advice, and a truly reassuring presence. He took the time to walk us through every part of the loan process, provided us with written reminders of dos and don’ts and made what could have been a stressful experience feel smooth and manageable. Ben was always quick to respond whether through text messaging or calls, and is incredibly knowledgeable, and—most importantly—genuinely kind and patient. Thanks to his hard work and guidance, we were able to close on our first home with confidence and peace of mind. If you're looking for someone trustworthy, professional, and truly dedicated to helping you succeed, we can't recommend Ben enough. He made a potentially overwhelming process feel personal and empowering.

8 months ago

Posted on Google

I just had the pleasure of closing an escrow with Ben, who handled the buyer’s financing, and I can’t say enough great things about the experience. He ...

I just had the pleasure of closing an escrow with Ben, who handled the buyer’s financing, and I can’t say enough great things about the experience. He and his team were a breath of fresh air—extremely communicative, responsive, and professional from start to finish. I was kept in the loop the entire time, which made the transaction smooth and stress-free. I highly recommend Ben and his team for any purchase or refinance—you’ll be in great hands!

9 months ago

Posted on Google

Ben and his team were very friendly and responded right away to my many questions as a first time home buyer. They were very professional and made th ...

Ben and his team were very friendly and responded right away to my many questions as a first time home buyer. They were very professional and made the mortgage experience a very smooth one! I will definitely be recommending them to anyone needing a home loan!

9 months ago

Posted on Google

Ben helped us out with the purchase of our home. He made the lending process easy by being thorough with all the steps required through the lending p ...

Ben helped us out with the purchase of our home. He made the lending process easy by being thorough with all the steps required through the lending process. I would highly recommend to anybody looking for a lender.

9 months ago

Posted on Google

Amazing over the top service & communication!!!

Amazing over the top service & communication!!!

Jayedene Chesini

10 months ago

Posted on Google

Ben Bhangu was wonderful to work with and helped my clients get a VA loan when other lenders could not get it done. Thanks to Ben, he made it work out ...

Ben Bhangu was wonderful to work with and helped my clients get a VA loan when other lenders could not get it done. Thanks to Ben, he made it work out smoothly!

Kathryn Springsteen

10 months ago

Posted on Google

Ben provided us with exceptional service and assistance with our mortgage needs. He was readily available to answer questions and keep us up-to-date ...

Ben provided us with exceptional service and assistance with our mortgage needs. He was readily available to answer questions and keep us up-to-date on the progress. His knowledge and expertise were of tremendous value to us. Thank you Ben.

Scott Dawn Houser

10 months ago

Posted on Google

“Ben was absolutely outstanding. He was incredibly knowledgeable, responsive, and made the entire process seamless from start to finish. He took the t ...

“Ben was absolutely outstanding. He was incredibly knowledgeable, responsive, and made the entire process seamless from start to finish. He took the time to explain every step clearly, answered all my questions with patience, and went above and beyond to ensure I got the best possible terms. I truly felt like I was in good hands with Ben—he made a stressful, process feel easy. He went the extra mile with my concerns even after his portion of the transaction was complete. I appreciate his kindness. I will definitely be using him for all my future loan needs. Thanks Ben!!

10 months ago

Posted on Google

Ben was amazing in helping us get a construction loan to build our dream house!! He was profession, knowledgable and available to us whenever we had a ...

Ben was amazing in helping us get a construction loan to build our dream house!! He was profession, knowledgable and available to us whenever we had a question. We would recommend him to anyone!

11 months ago

Posted on Google

I had a wonderful experience working with Ben and his wife throughout my loan process. From start to finish, they were both incredibly kind, patient, ...

I had a wonderful experience working with Ben and his wife throughout my loan process. From start to finish, they were both incredibly kind, patient, and helpful. Ben took the time to clearly explain every step and detail, making sure I understood all aspects of the loan process. His communication was clear and consistent, which really put me at ease during what can often be a stressful time. Their professionalism, combined with their genuine care and support, made a big difference for me. I truly appreciate everything they did and would highly recommend them to anyone looking for a knowledgeable and compassionate loan officer.

11 months ago

Posted on Google

I highly recommend Ben and his team for their exceptional service in helping my clients secure their first home. Their expertise, responsiveness, and ...

I highly recommend Ben and his team for their exceptional service in helping my clients secure their first home. Their expertise, responsiveness, and dedication made the process smooth and stress-free. Five stars for their outstanding support!

11 months ago

Posted on Google

Oh wow I could not have been happier with our services Everything was spelled out clearly I work in finance and I was so pleased to work with someone ...

Oh wow I could not have been happier with our services Everything was spelled out clearly I work in finance and I was so pleased to work with someone who didn’t try to treat me like I didn’t know what I was talking about and fought for us to have good rates

11 months ago

Posted on Google

As a local realtor, I recently referred my first time buyers to Ben and Luz. Ben showed compassion and honesty in assisting the buyers during the proc ...

As a local realtor, I recently referred my first time buyers to Ben and Luz. Ben showed compassion and honesty in assisting the buyers during the process. The loan went in a timely manner and Ben was very efficient in calling me on updates. The buyers were super excited when everything was done. Thank you Ben and Luz for the fantastic job you did!

Kathryn H. Berkley

1 year ago

Posted on Google

Ben and his team delivers what they promise. He was very responsive, detailed and made no mistakes in his entire process. He help close the transactio ...

Ben and his team delivers what they promise. He was very responsive, detailed and made no mistakes in his entire process. He help close the transaction 2 weeks ahead of schedule. that is not every days story. Ben proved his Home Loan GURU title very well. I highly recommend him for all types of lending.

1 year ago

Posted on Google

Ben and his team did a great job throughtout my loan process , It was very smooth and fast . He kept me informed every single step and got me approved ...

Ben and his team did a great job throughtout my loan process , It was very smooth and fast . He kept me informed every single step and got me approved for my first home. Thankyou Ben

1 year ago

Posted on Google

Ben and Luz helped the process of buying our home go so smoothly! Ben was always there to answer all our questions at anytime! They greeting us with k ...

Ben and Luz helped the process of buying our home go so smoothly! Ben was always there to answer all our questions at anytime! They greeting us with kindness and smiles every time we met. Huge thank you to them for all their time and effort!

1 year ago

Posted on Google

Ben and Luz were awesome and got us into our new home. All through the process we personally met with Ben, he explained and answered all of our questi ...

Ben and Luz were awesome and got us into our new home. All through the process we personally met with Ben, he explained and answered all of our questions. Highly recommend Ben and his staff.

1 year ago

Posted on Google

Ben has great communication skills and kept me informed of the status of the buyers loan during the sale of my sellers home which helped relieve stres ...

Ben has great communication skills and kept me informed of the status of the buyers loan during the sale of my sellers home which helped relieve stress during the transaction. Grace Mull, Realtor Showcase Real Estate

1 year ago

Posted on Google

Overall Ben was great to work with. He is very patient and makes sure that you have a full understanding of both everything that is going and everythi ...

Overall Ben was great to work with. He is very patient and makes sure that you have a full understanding of both everything that is going and everything that you have to sign. I couldn’t have asked for a better lender.

1 year ago

Posted on Google

Ben is my "Go to" loan officer. He always delivers what he promises because he is thorough in his interviews with prospective buyers. He is knowledgea ...

Ben is my "Go to" loan officer. He always delivers what he promises because he is thorough in his interviews with prospective buyers. He is knowledgeable, honest and always looks out for his clients.

1 year ago

Posted on Google

Referred to them by a long time trusted realtor friend. A delight to do business with. Very thorough, I had started the process with online lender but ...

Referred to them by a long time trusted realtor friend. A delight to do business with. Very thorough, I had started the process with online lender but it was too hard not being person to person. I was willing to pay more to deal with a local lender that I could see face to face. O my surprise Ben and Luz not only provided excellent service but gave us a better interest rate and cheaper closing costs.

1 year ago

Posted on Google

Wonderfully helpful in walking us thru the process of purchasing our first home. Thank You Ben!

Wonderfully helpful in walking us thru the process of purchasing our first home. Thank You Ben!

1 year ago

Posted on Google

As first time home buyers we really appreciate Ben and Luz! There were so many things that we didn't understand about the loan process, but Ben patien ...

As first time home buyers we really appreciate Ben and Luz! There were so many things that we didn't understand about the loan process, but Ben patiently and easily answered all of our questions and took the time to explain everything carefully. Many thanks to him!

1 year ago

Posted on Google

Ben and Luz are the best. They know what they are doing, they are smart in everything that is happening in the housing market and always available. Yo ...

Ben and Luz are the best. They know what they are doing, they are smart in everything that is happening in the housing market and always available. You can see how much they care for you as their client. I recommend them to anyone who is in the market of buying a home.

1 year ago

Posted on Google